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I had Trupanion for my first cat. It did its job, and was a lifesaver for when we had 10k of treatments for cancer.
However, second cat's cancer treatment came when I was financially less stable and had to change over to Spot.
I had my reservations considering the price that seemed too good to be true and the fear from straying from the more well-known companies. Turns out, they are just as good, just as helpful (if not more to make up for any difficulties that come from issuing claims).
Death and sickness are always terrible things, and one comes to cherish the gentleness of convenience - if only to have more memories of my pets rather than the bureaucracy of surviving them.